Systems, methods and apparatus are disclosed for remote management of payment terminals. Public keys, or other security elements can be received from a certification authority and distributed to the payment terminals. A merchant, or other entity affiliated with the payment terminals, can monitor the status of the software and security elements of the payment terminals.

A transaction is conducted between a merchant site and a customer's electronic device using a payment processor. The merchant site is associated with a client-side application and a server-side application. The client-side application executes on the customer's electronic device. The client-side application electronically sends payment information retrieved from the customer's electronic device to the payment processor. The client-side application does not send the payment information to the server-side application. The payment processor creates a token from the payment information sent by the client-side application. The token functions as a proxy for the payment information. The payment processor electronically sends the token to the client-side application. The client-side application electronically sends the token to the server-side application for use by the server-side application in conducting the transaction. The payment information can thus be used by the server-side application via the token without the server-side application being exposed to the payment information.

Methods, systems, and apparatuses for blockchain-based digital token utilization are described herein. Data corresponding to digital tokens may be stored on a blockchain associated with a decentralized peer-to-peer (P2P) network. Smart contracts for collecting digital tokens in exchange for service provider tokens may be deployed to the blockchain. Smart contracts for distributing digital tokens based on credit tokens may be deployed to the blockchain. Through execution of the smart contracts, digital tokens may be utilized by users in various ways.

A method for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution includes reading payment information from a payment vehicle, reading financial institution routing information from the payment vehicle, reading a payment vehicle certificate from the payment vehicle, requesting consumer authentication information from a consumer, and submitting a payment transaction request to the financial institution using the financial institution routing information, a POS terminal certificate, and the payment vehicle certificate. An authentication certificate for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution may be generated by receiving a request for an authentication certificate from a requestor, the request comprising a requestor ID and one or more capabilities of the requestor, verifying the requestor ID, generating an authentication certificate for the requestor, and returning the generated authentication certificate to the requestor.

Described processes include: determining portions of instances of a cryptographic token to be allocated to record providers, like providers of an asset indicated by a record, wherein: the portions are determined based on network effects associated with the records the record provider supplied on performance of a computer-implemented network in which both record providers and record consumers participate, patterns indicative of inorganic consumption may be determined from one or more of interactions of individual consumers, interactions of collections of consumers, or consumer interactions in the aggregate for a given provider or record; and the effects on network performance are adjusted responsive to designation of one or more entities as exhibiting inauthentic behavior; and appending to a distributed ledger, records indicating the respective portions, and adjustments, are allocated to record providers.

Systems and methods for authentication may include an authentication server. The authentication server may include a processor and a memory. The processor may be configured to receive a cryptogram associated with a first near field communication data exchange format (NDEF) read. The processor may be configured to perform a first factor authentication of the cryptogram. The processor may be configured to receive a first data set, wherein the first data set is associated with a second NDEF read. The processor may be configured to extract metadata from the first data set. The processor may be configured to perform, after the first factor authentication, a second factor authentication based on the metadata. The processor may be configured to generate a message indicative of an outcome of the second factor authentication. The processor may be configured to transmit the message that instructs the processor to effectuate one or more actions.

Exemplary systems and methods for the addition of a block to a permissioned blockchain using efficient consensus are disclosed. The methods and systems may include receiving transaction messages having transaction values from consensus nodes and generating a Merkle root for the transaction messages using transaction references and a proposed block header having the Merkle root and a hash of the header of the most recently added block in a blockchain. The proposed block header may be hashed and transmitted with a proposal message having a digital signature to auditing nodes. A response message accepting the digital signature may be received and an accept message may be transmitted to the auditing nodes and a confirmation message may be transmitted to the consensus-nodes. A new block may be written to the blockchain having the transaction values from the transaction messages and a header including the proposed block header and digital signature.

The present document describes a payment method for a fleet, an electronic device and a storage medium. The method includes: sending payment request information of a fleet to a roadside payment terminal, such that the roadside payment terminal sends the payment request information of the fleet to a payment server; receiving, from the roadside payment terminal, fleet payment information generated by the payment server; and performing a payment operation according to the fleet payment information. Accordingly, the traveling efficiency of the fleet can be improved.

In one embodiment, techniques include receiving, by a computing device associated with a payment service system, a request to create a blockchain-enforced contract corresponding to a new transaction between a merchant and a customer. Techniques include generating, based on analysis using machine-learned models of a transaction history associated with the merchant, a condition of the blockchain-enforced contract requisite for completion of the new transaction. Techniques includes generating the blockchain-enforced contract including the condition. Techniques include providing the blockchain-enforced contract to nodes in a blockchain network. Techniques include creating a blockchain transaction addressed to the blockchain-enforced contract and including information regarding the condition. Techniques include providing the blockchain transaction to the nodes. Techniques include receiving confirmation that the nodes have validated the blockchain transaction. Techniques include causing a value associated with the new transaction to be transferred to a merchant account associated with the merchant.

Implementations of the present specification provide a method and an apparatus for grouping transactions in a blockchain. The method includes: obtaining a first transaction in multiple transactions; obtaining a first variable accessed in the first transaction; reading a first value of a first belonging variable corresponding to the first variable; reading a first value of a first associated variable corresponding to the first transaction; if the first value of the first belonging variable is a numbering value of a second transaction in the multiple transactions, recording an association relationship between the first transaction and the second transaction in the associative array by performing an atomic comparative change operation on an atomic variable in an associative array; and grouping the multiple transactions based on the associative array.